In all opinion polls, retirement provision appears to be one of the main concerns of the Swiss population. Declining interest rates, low yields and increasing life expectancy beyond retirement age are all factors that are driving our future retirement benefits down significantly.

It is therefore essential to take an interest as early as possible in the construction of your individual pension plan and to understand the challenges.

As an employee, your individual pension certificate from your employer’s pension fund is an essential document to understand. However, most people take an interest in this way too late …

There are many questions to consider when planning individual pensions:

• How am I covered in the event of illness or accident? Short term and long term?
• What are the protections for my spouse and my children?
• What are the protections in the context of cohabitation and civil partnerships ?
• Will my retirement benefits be sufficient? Long-term guarantees?
• What should I do today to maximize my benefits ?
• What benefits does an optional supplementary pension offer ?
• What impact would any withdrawal from my pension fund for the purchase of my property have on my retirement benefit ?

We place our analytical skills at your disposal to analyze your personal situation and to optimize your coverage:

• Detailed projection of your 1st, 2nd and 3rd pillars A and B benefits
• Comparative studies of optional complementary pensions solutions
• Savings and annuity schemes with tax advantages

The sooner you take an interest in your individual pension, the better your chances of protecting your future.

CGP Conseil Global en Patrimoine is registered in the FINMA register as  non-tied insurance intermediary, under number F01169922.